All debts owing as of the time of a filing of a bankruptcy petition must be listed on the schedules; no creditor can be left off. This applies even to debts owed to friends or relatives. When a person signs a bankruptcy petition, he or she is certifying under penalty of perjury that all assets and all liabilities (debts) are listed on the petition. Additionally, at the time of the meeting of creditors, a debtor will be asked under oath if all assets and liabilities have been listed. This does not mean, however, that certain debts cannot be reaffirmed. Even if a debt has been discharged, the bankruptcy code is very specific that nothing prohibits the voluntary repayment of a discharged debt. On secured debts such as car and home loans, the debtor still lists that debt on the petition, but can reaffirm the debt in order to keep the property.